Suffolk County and Islip Town property record for 440 Smith St, Central Islip, NY 11722
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $177,000 (Mar 1999) |
| Tax Bill | $9,303 (2024) |
| Deeds & Mortgages | Dec 2017 Mortgage Dec 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 472889 142.-9-107 |
| Primary APN | 472889 142.-9-107 |
|---|---|
| Alternative APNs |
|
| Lot Area | 1,742 sqft (0.04 acres) |
|---|
| Account Number | 173907 |
|---|---|
| Street Address | 440 SMITH ST |
| City | CENTRAL ISLIP |
| State | NY |
| Zip | 11722-3727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDDMF |
| Legal Description | EDZ N024H00000000 |
| Legal Subdivision | MAP PARK ROW TOWNHOMES SECTION 4 |
| Legal Block | 2000 |
| Legal Lot Number | 900 |
| Jurisdiction | SUFFOLK NY |
| Township / Civil Division | ISLIP |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 146300 |
440 Smith St is owned and occupied by two individuals who bought it in March 1999.
Source: Suffolk County and Islip Town records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 SMITH ST, CENTRAL ISLIP, NY 11722-3727 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Dec 6, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI JPMORGAN CHASE BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 1999 · Amount on File |
| Deed Sale | Mar 15, 1999 · Amount on File |
| Deed Book / Page | 11951 / 240 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 440 SMITH ST, CENTRAL ISLIP, NY 11722-3727 |
| Document Number | 0228950958 |
| Instrument Date | Dec 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2018 |
| Title Company | TITLE SOURCES INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 440 SMITH ST CENTRAL ISLIP NY 117223727, CENTRAL ISLIP, NY 11722-3727 |
| Document Number | 0228950958 |
|---|---|
| Date | Jan 26, 2018 |
| Book Page | 022895/000958 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 25, 2038 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SUFFOLK NY |
| Property Address | 440 SMITH ST, CENTRAL ISLIP, NY 11722-3727 |
| Document Number | 0228950959 |
| Instrument Date | Dec 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 440 SMITH ST CENTRAL ISLIP NY 117223727, CENTRAL ISLIP, NY 11722-3727 |
| Document Number | 0228950959 |
|---|---|
| Date | Jan 26, 2018 |
| Book Page | 022895/000959 |
| Name | JPMORGAN CHASE BK NA |
|---|---|
| Address | 1111 POLARIS PKWY, COLUMBUS, OH 43240-2031 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 25, 2038 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
Source: Suffolk County and Islip Town assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Suffolk County |
| County Subdivision | Islip Town |
| Unified School District | Central Islip Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $30,400 Land $7,100 Building $23,300 | $428,169 (-) Land $100,000 Building $328,169 | |
| 2024 | $9,303.00 | $428,169 (+2.54%) Land $100,000 Building $328,169 | |
| 2023 | $30,400 Land $7,100 Building $23,300 | $417,582 Land $97,527 Building $320,055 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 440 Smith St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 440 Smith St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUFFOLK COUNTY WATER AUTHORITY serves 1,100,000 people · EPA ID NY5110526 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | Asbestos resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Fiber · Cable | 8,000 / 8,000 |
| Verizon Fiber | 2,300 / 2,300 |
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